Insurance association

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  • Vice President/Publisher Associate Publisher Associate Editor Senior Production Editor Executive Marketing Manager Creative Director Senior Designer Production Management Services Editorial Assistant Senior Media Editor Cover Photo Cover Design Bicentennial Logo Design Don Fowley Judith Joseph Brian Kamins Valerie A. Vargas Amy Scholz Harry Nolan Kevin Murphy Aptara, Corp. Sarah Vernon Allison Morris c Brian Baley/Getty Images, Inc. David Levy Richard J. Pacifico This book was set in 10/12 Cheltenham Light by Aptara, Corp. and printed and bound by R. R. Donnelley & Sons, Inc.

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  • Over the next decade, the two laws also will provide for about $900 billion in new subsidies, including a substantial expansion of Medicaid and new tax credits to offset the cost of health insurance premiums for low- and middle-income families and small businesses. In each state, exchanges will be established to facilitate the purchase of coverage and the delivery of the subsidies. Some companies whose workers receive subsidies for health insurance through the exchanges could be required to pay penalties.

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  • The Affordable Care Act provides States with significant flexibility in the design and operation of their Exchange to best meet the unique needs of their citizens and their marketplace. States can choose to operate as a State-based Exchange, or the Secretary of the Department of Health & Human Services (HHS) will establish and operate a Federally-facilitated Exchange in any State that does not elect to operate a State-based Exchange.

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  • Many associations let insurance companies and agents offer long-term care insurance to their members. These policies are like other types of long-term care insurance and typically require medical underwriting. Like employer- group policies, association policies usually give their members a choice of benefit options. In most cases, policies sold through associations must let members keep or convert their coverage after leaving the association. Be careful about joining an association just to buy any insurance coverage. Review your rights if the policy is terminated or canceled. ...

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  • Health Insurance Is a Family Matter is the third in a series of six reports planned by the Institute of Medicine (IOM) and its Committee on the Consequences of Uninsurance. This series of studies represents a major and sustained commitment by the IOM to contribute to the public debate about the problems associated with having more than 38 million uninsured people in the United States. This very broad research effort also represents a significant contribution from The Robert Wood Johnson Foundation for which we are grateful....

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  • The data included below must be interpreted with caution, indeed those providing the data themselves advise caution in using it. The European data comes from the European Business Angel Network (EBAN), and the US data comes from the Angel Capital Association or the Centre for Venture Research, University of New Hampshire. EBAN note that their numbers only include activity that takes place within Business Angel networks, and as such by no means represent the full extent of Business Angel activity existing in Europe.

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  • Yet the shift towards health-systems strengthening and its support through the International Health Partnership (IHP+) and other related initiatives offer a framework within which SRH may be more broadly addressed. The support offered to ministries of health by the UNFPA and WHO country offices has been marked by greater collaboration and a stronger functional focus. This has been achieved through harmonization of activities in the United Nations Development Assistance Framework, and by practical engagement of technical working groups and similar structures for SRH.

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  • Tham khảo tài liệu 'savings association insurance fund’s financial statements statements of financial position_part2', tài chính - ngân hàng, kế toán - kiểm toán phục vụ nhu cầu học tập, nghiên cứu và làm việc hiệu quả

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  • Tham khảo tài liệu 'savings association insurance fund’s financial statements statements of financial position_part5', tài chính - ngân hàng, kế toán - kiểm toán phục vụ nhu cầu học tập, nghiên cứu và làm việc hiệu quả

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  • The first rudimentary notion of what can be called risk, may have arisen, according to Covello and Munpower (1985), around 3200 BC in the valley between the Tigris and Euphrates Rivers, where lived a group called “Asipu”. A major function of this group was to help people who needed to make difficult decisions. The “Asipus”, when sought, identified the scale of the problem, the alternatives and the consequences of each alternative. Then, they drew up a table, marking the positive and negative points of each alternative to indicate the best decision....

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  • Private insurance companies sell long-term care insurance policies. You can buy an individual policy from an agent or through the mail. Or, you can buy coverage under a group policy through an employer or through membership in an association. The federal government and several state governments offer long-term care insurance coverage to their employees, retirees and their families. This program is voluntary, and premiums are paid by participants. You can also get long-term care benefits through a life insurance policy. ...

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  • Individuals accounted for the majority of listed subjects in the SARs; however, filers noted a few as business entities and, in some cases, identified a family’s trust fund or retirement plan. Approximately 65 percent of the subjects found in the 641 SARs were either: a) associated with some kind of business (named or un-named) or occupation13 ; b) identified by a job title, profession or other reference (Physician, Attorney, Restau- rant Owner, Retired, etc.); or c) identified by a business name or the nature of the business if the subject was listed as a company.

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  • In an attempt to glean potential trends, this study divides the subjects of the 641 filings into categories based in part on their occupation and in part on their relation- ship to the insurance or investment product involved in the transaction. The data is derived from several sources on the SAR-SF: the narrative section (Part VI), Field 7 (“Occupation or Type of Business”), and Field 19 (“Is this individual/business associated/ affiliated with the reporting financial institution?”). The study characterizes the subjects based on their relationship to the insurance products.

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  • The SRA also defines risk-sharing between the government and private insurance companies. Under the SRA, insurance companies may transfer some liability associated with riskier policies to the government and retain profits/losses from less risky policies. 17 This transfer of risk is accomplished through a set of reinsurance funds maintained by FCIC. Within 30 days of the sales closing dates for each crop, companies allocate each policy they sell to one of two funds that are maintained for each company by state: Assigned Risk or Commercial. (The previous SRA had three funds.

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  • Real and perceived quality gaps in public coverage and delivery systems serve as an impetus for PHI purchases in some countries. Waiting times, increasing demand for choice, and perceptions of inadequacy of public systems are leading motivations in Ireland, Australia, Denmark, and the United Kingdom. Where public cover is not provided, primary PHI policies are purchased mainly to minimise the financial risks associated with illness. Finally, the diversity in consumer attitudes and preferences is difficult to compare across countries.

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  • Savings banks in Spain have a long tradition of providing social credits to under-served financially excluded communities. Caja de Granada in particular chairs the International Association of Social Pledging Credit Establishments1 and like Caixa Galicia and Caixa Catalunya, grants micro-credits through their foundations, mainly in the regions where they operate. Caja Granada recently organized a symposium with all its microcredit holders to exchange experiences.

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  • The term Business Angel has only been used in Germany since the early 1990s. According to the German Business Angel network BAND, German Business Angel associations/federations have approximately 1,400 registered members. Most of the actors are “silent angels”, this means they do not look for publicity and most of them are not organised in networks. The “Promotion Angels” are a minority - they are looking for publicity and are participating in public discussions (Harrer, 2010b).

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  • The availability of crop insurance for a particular crop in a particular region is an administrative decision made by USDA. The decision is made on a crop-by-crop and county-by-county basis, based on farmer demand for coverage and the level of risk associated with the crop in the region, among other factors. In areas where a policy is not available, farmers may request that RMA expand the program to their county. The process usually starts with a pilot program in order for RMA to gain experience and test the program components before it becomes more widely available.

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  • Part of the criticism on the A&O stemmed from a study by the Government Accountability Office (GAO) on costs associated with administering the crop insurance program. 19 In 2009, GAO concluded that the structure of A&O reimbursements “present[s] an opportunity to reduce government spending without compromising the crop insurance program’s safety net for farmers.” According to GAO, the method for calculating the A&O reimbursement should be redesigned to better reflect reasonable business expenses, in terms of dollars per policy, rather than crop prices.

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  • When a consumer applies for employment, or for a service that reviews credit histories, (such as insurance, an apartment rental, utilities, cell phone accounts) these data users may also request and receive a credit report and/or scores from one or more repositories, to be used to evaluate the consumer’ s application.

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